Who should attend? Those working or providing professional services to those working in the following industries: Real estate, Mortgage brokers, Securities, Credit unions, Pensions, Insurance, Pre-arranged funeral services.

Seating is limited, so please ensure that each person attending registers. Please read the sessions descriptions below, complete the form on the right to register yourself and click submit. For questions about this form, please email FCNB@FCNB.ca. Deadline to register is Wednesday, June 5.

Schedule:

Time

Session

7:30-8:30 a.m.

Breakfast and registration

8:30-8:45 a.m.

Opening Remarks by Rick Hancox

8:45-10 a.m.

Panel Discussion on Senior Financial Abuse

10-10:15 a.m.

Morning Break – Spend Smart Café

10:15-11:15 a.m.

Morning Break-out Sessions

11:20 a.m.-12:05 p.m.

Plenary Session on Creating Customer Trust

12:05-12:35 p.m.

Lunch

12:35-1:35 p.m.

Keynote Address by Kelley Keehn

1:45-2:45 p.m.

Afternoon Break-out Sessions

2:45-3 p.m.

Break (Visit FCNB booths)

3-4:15 p.m.

Panel Discussion on Fintech and Cybersecurity

4:15-4:30 p.m.

Closing Remarks by Rick Hancox

Sessions:

All sessions are in English, unless otherwise noted as French or Simultaneous Interpretation (S.I.). Some sessions will be conducted in English with French speaking staff available.

Financial exploitation of older Canadians is one of the most common forms of elder abuse. The numbers are increasing because of the compounding factors of the demographic shift – aging of the baby boom generation, increased life expectancy, and the intergenerational transfer of wealth. Financial exploitation can be particularly devastating for older adults who often depend on fixed incomes and do not have the means or time to offset significant losses. Regardless of the damaging impact, we know elder abuse is widely underreported. Join our panel to learn why financial exploitation of older adults happens, why its underreported, some of the signs of financial exploitation, and what you can do when you spot it.

Consumer protection must be looked at through the lens of a corporate culture and not purely as an operational or regulatory issue. After all, the consumer experience is tied directly to a company’s culture. If you don’t have a consumer-focused culture, one that emphasizes consumer protection, your business will struggle to achieve a strong consumer experience. A consumer-focused culture puts the consumer at the centre of everything the business does. Making this cultural shift can lead to more positive outcomes for consumers as well as businesses, whose reputation with consumers will help bolster business.

Financial crime isn’t a popular topic, but it is something that victimizes a growing number of Canadians each year, many of whom are too embarrassed or ashamed to report it. Even though it’s estimated that fraud costs Canadians more than $10 billion each year, the RCMP reports that an overwhelming nine in 10 Canadians who are victimized don’t speak to anyone about it.

Based on Kelley’s research for the Chartered Professional Accountants of Canada’s recent award-winning, financial literacy publication, Protecting You and Your Money; A Guide to Avoiding Identity Theft and Fraud, this presentation will help you to:

Protect you and your clients by preventing cyber-crime, identity theft and 5 other types of fraud,

Spot current investment scams so you, your clients and your family can avoid them,

Technology and innovation is rapidly changing the landscape of the financial and consumer services sectors. The emergence of new financial technologies, such as crypto-platforms and open banking, employs a host of opportunities and risks for smaller and medium enterprises (SMEs) in these sectors. This panel will discuss emerging issues in financial technology and the evolving role of cybersecurity.

This session will examine the role of the Enforcement Division within FCNB, the types of matters we investigate and how it contributes to the protection of both New Brunswick consumers and the reputation of your industries. It will look at previous cases, and examine how legislative changes in 2016 improved FCNB’s ability to protect consumers by adding compliance, investigative and enforcement provisions across nine Acts. Finally, we will discuss what triggers an investigation and how registrants and licensees can play a role in protecting their industry.

This workshop will give an overview of how this new guidance will fit into the regulatory scheme and the impacts this could bring to your business. This session will be of particular interest to both the insurance industry and mortgage brokers.

Many of your clients are concerned about how to manage their finances and property as they age. One tool often used to manage these issues is a Power of Attorney – in fact, some of your clients probably have one. This session will look at how to have a conversation with your clients about a POA as part of a solid estate plan and why it’s important for them to do it sooner rather than later. It will help you understand the duties and responsibilities of an Attorney and your responsibility to provide service; plus, what the clauses mean. This session will also examine what happens when a POA is triggered; dealing with the Attorney; risk management and other legal conundrums as well as recognizing and responding to financial abuse of a POA.

This session, held by Consumer Affairs staff, will highlight the roles and responsibilities of the division within FCNB, followed by an overview of the licence application process, an outline of compliance reviews under various pieces of legislation, and the enforcement referral process. Participants will also be informed of the Opportunity to be Heard and Tribunal process.

FCNB believes informed consumers are better able to protect themselves from frauds and scams and to make decisions that improve their financial well-being. We offer educational materials and presentations, outreach programs, professional development workshops, brochures and online tools on a wide range of topics. All of our resources and programs are free and available in both official languages. Learn how you can tap into these resources and programs to help your customers, clients, employees and even your family members.

This panel will discuss the most common compliance review deficiencies relating to seniors, as well as provide examples of serious cases involving seniors that resulted in settlement agreements or enforcement action. The panel will also discuss regulatory initiatives, and guidance and best practices for firms and registrants to consider when dealing with older and vulnerable clients.

This session, held by Consumer Affairs staff, will highlight the roles and responsibilities of the division within FCNB, followed by an overview of the licence application process, an outline of compliance reviews under various pieces of legislation, and the enforcement referral process. Participants will also be informed of the Opportunity to be Heard and Tribunal process.

FCNB believes informed consumers are better able to protect themselves from frauds and scams and to make decisions that improve their financial well-being. We offer educational materials and presentations, outreach programs, professional development workshops, brochures and online tools on a wide range of topics. All of our resources and programs are free and available in both official languages. Learn how you can tap into these resources and programs to help your customers, clients, employees and even your family members.

Featuring:

Peter Moorhouse is president and CEO for Atlantic Canada’s Better Business Bureau. His career has encompassed recruitment, employee engagement and corporate culture development, and economic and workforce development at the local and regional level. He has served on numerous volunteer boards across the region, including Easter Seals, Junior Achievement, and the Atlantic Chamber of Commerce. He is passionate about ethics in business, for ‘doing the right thing’, and helping good companies grow and prosper.

Kelley Keehn is a personal finance educator, media personality, speaker and best-selling, award-winning author of 9 books. She’s on a mission to “Make Canadians Feel Good About Money”. Her last two books, Protecting You and Your Money; A Guide to Avoiding Identity Theft and Fraud and A Canadians Guide to Money-Smart Living were published by the Chartered Professional Accountants of Canada. She served on the National Steering Committee on Financial Literacy, serves on the board of Money Mentors, has been appointed to the Financial Consumer Agency of Canada’s Consumer Protection Advisory Committee and, is the Consumer Advocate for the Financial Planning Standards Council. You can learn more about her at her website: KelleyKeehn.com.

Judith Shaw serves as the Securities Administrator for the State of Maine Office of Securities having been appointed in 2008. She is the co-chair of the Maine Council for Elder Abuse Prevention, a coalition of public and private partners dedicated to reducing elder abuse and financial exploitation. A Past President of the North American Securities Administrators Association (NASAA), Judith currently serves as Chair of the Senior Issues and Diminished Capacity Committee.

Brett Konyu has been with the Mutual Fund Dealers Association (MFDA) since April 2001. As part of the MFDA's Member Education initiative, Mr. Konyu is involved in providing Members with educational material on current industry issues and best practices guides for complying with regulatory requirements. Previously, he was a Manager in the Sales Compliance Department monitoring the conduct of Members and Approved Persons. Prior to joining the MFDA, he various positions with mutual fund and securities dealers.

Chantal Landry is the Public Trustee for the Province of New Brunswick since December 2011. She is also the Director of Family Law Services under the New Brunswick Legal Aid Services Commission. She obtained a Bachelor of Arts degree with a major in Psychology from UNB in 1988 and a Law Degree from the Université de Moncton in 1992. She practiced primarily family law until her appointment as Public Trustee and Director for Legal Aid. She lives in Fredericton.

Accommodations

All attendees are responsible for booking their own accommodations.

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All sessions are in English, unless otherwise noted as French or Simultaneous Interpretation (S.I.). Some sessions will be conducted in English with French speaking staff available.

Workshops:

Choose a morning session (10:15-11:15 a.m.) A Look at Enforcement (English) Panel Discussion: Introducing New Brunswick’s Regulated Financial Industries to the Fair Treatment of Customer Guidance (S.I.) The Who, What, When, Where, How and Why of Powers of Attorney in New Brunswick (English) Compliance in Consumer Affairs (English) FCNB: More Than Just a Regulator (French)

Indicate an alternative session:

Choose an afternoon session (1:45-2:45 p.m.) Compliance in Securities (S.I.) Compliance in Insurance (French) Compliance in Insurance (English Compliance in Consumer Affairs (French) FCNB: More Than Just a Regulator (English)